Tag-Archive for » banking «

Thursday, September 17th, 2015 | Author:

Privacy, Ħin, Flus

I ma simili ordnijiet ta 'debitu. Stajt qatt Għoġobni l-idea li entità oħra tista ', fil-se, jieħu kważi kull ammont ta 'flus tiegħi (ukoll … kwalunkwe ikunu disponibbli). Kollega rrilevat il-kwistjoni ma MTN kieku kienu jiġu evitati kellhom I ġew permezz ta 'ordni ta' debitu. Forsi l- “konvenjenza” Fattur mhuwiex tali ħaġa ħażina.

I jissoponi l-kwistjoni ta 'qabel hawnhekk hija jekk jew le inti tixtieq l-konvenjenza u tista' trust istituzzjonijiet (f'dan il-każ bil-flus tiegħek) – jew jekk inti ma tistax fiduċja fihom u huma lesti li jirrinunzja dak konvenjenza. Fil-każ tiegħi, anki jekk I għadhom kwistjoni l-konvenjenza, I tgħallmu l-mod iebes ma MTN li doppjament jista 'jkun inkonvenjenti li jkollhom dinja konnessi tiegħek jitnaqqas għal “remoti gżira” status. Kważi kulħadd illum tmur bil-fattur konvenjenza.

Konvenjenza

Min-naħa l-oħra, issa żmien twil ilu, I had a dispute with Fitness Planet fejn konvenjenza kien xabla doppju delineata. I rrapportati prattika tan-negozju tagħhom lill-Kummissjoni Ilmenti tal-Konsumatur (peress organizzati mill-ġdid bħala l- Kummissjoni Nazzjonali tal-Konsumatur) and never got feedback from them. The gist of the issue is that Planet Fitness’s sales agent lied to me and a friend in order to get more commission/money out of my pocket.

I'ma Vitality Discovery membru li jagħti ħafna benefiċċji, inklużi rati mnaqqsa fuq marki Premium – aktar naturalment relatata mas-saħħa, as Discovery is a Medical Aid/Health Insurance provider. Fi kliem sempliċi, Discovery huwa tal-biża. Benefiċċji vitalità jkopru sħubija ġinnasju li jkompli jinkludi Fitness Pjaneta. You still have to pay something, żgħir simboliku ta 'xorta, li Discovery, għas-sħubija ġinnasju. Imma, wara kollox, huma TIXTIEQ li jkun me b'saħħithom, so they don’t mind footing the bulk of the bill. Imma, apparentement, dan ifisser Fitness Planet’ aġenti tal-bejgħ ma jsibux l-kummissjoni!

Allura dak li ma dan ir-riżultat fl-? Ir-riżultat huwa li PF aġent tal-bejgħ tatni figura minfuħ għal “Vitality bbażati fuq” sħubija. Huwa gideb. Huwa mbagħad kien me sinjal fuq il-linja bit-tikek għal prezz eżaġerat ta ' “regolari” sħubija (iva, kien fil-fatt aktar minn anki sħubija regolari kien iqum), ending up about 4 u 5 darbiet aktar ikun għad hemm sħubija bbażata fuq Vitality.

Epiphanies

Some time in 2011 I finalment wisened f'idejn l-ispejjeż I kien suppost li jkun tħallas. Discovery Jiena ċert ma jkunx wisq kuntenti dwar dan fiasco. I spoke lill-Manager fil-ġinnasju, u I kien assigurat li l-kuntratt kollu se jkunu skrappjati. Jien mhux wieħed għall-vjolenza … sakemm tagħha għall-isport … fi Octagon … iżda wara żjara 5 tiegħi għall-Manager li jistaqsu għaliex l-Ordnijiet ta 'debitu kienu għadhom qed jiġri, hu qalli li kien sorpriż I ma ġabet armi miegħi għall-żjara. Wara ftit żjarat aktar, il-Manager kienet effettivament telqu Fitness Planet u spjegat lili li l- “kuntratt” was between myself and Head Office and that the local gym, apparentement operazzjoni franchise stil, kienu ftit li xejn jgħidu dwar jekk jew le jista 'jiġi kkanċellat. Jekk Head Office qal le, Xorti iebsa.

By this point I’d lost it. I had my bank put a stop l-ordnijiet ta 'debitu. It was a huge schlep: I had to contact the bank every month because the debit order descriptions would change ever so slightly. It also cost me a little every couple of months to “jerġa” the blocking servizz. I ma jistax jgħin jaħsbu is-sistema bankarja jappoġġja espressjonijiet regolari iżda l-ħaddiema ma neċessarjament jaf kif jużah.

Technically I’m still waiting on the CCC to get back to me (qatt ma ġara – u naturalment kienu organizzati mill-ġdid kif imsemmi hawn fuq sabiex il-każ probabbilment waqa permezz tal-xquq). Of course, billi dak il-punt PF xtaqu wkoll li blacklist me għall-ħlas mhux!

L-Eroj mhux mistennija

A aċċenn imgerfex tal-kwistjoni għall Discovery (I think I imsejħa minnhom dwar żjara dentist) irriżulta callback minn wieħed mill-aġenti Discovery ta. Huma mbagħad staqsa lili biex jiddeskrivu l-problema, fid-dettall u bil-miktub, li tispjega aħjar mill-perspettiva tiegħi dak li verament ġara. I obbligat. Jirriżulta I kien dritt dwarhom ma jkunux “wisq kuntenta” dwar dan. Fil-fatt dawn verament ma bhalu. About three weeks later, Fitness Planet lura lili fil FULL għal flejjes kollha li qatt ġew mħallsa lilhom.

Discovery huwa tal-biża. 🙂

Aqsam
Monday, April 20th, 2009 | Author:

I’m looking at the South African banking system (partly a result of watching the Zeitgeistdocumentary”) u, after finding my bank implicated most with regards to the SA-Banking Competition Commission wikileaks scandal, I’m putting serious consideration into switching banks.

What ethical banks are out there right now? I’ve even looked into Sharia (Islamic) banking because of their strict ethics laws but even there I’m looking at even more unknowns. I’m not Islamic and I have nothing against funding pork-related activities.

On that note, do you know if your bank has a code of ethics? If they’re public, where can we see these ethics codes?

Tell me about service levels I haven’t heard of before and which bank you believe deserves to handle my money.

Aqsam
Sunday, April 19th, 2009 | Author:

I think the Internet is a scary place. Iva, me. Some days I find myself horrified to find the lowliest of criminal bastards trying to steal our livelihoods.

Iva, people, there are criminals out there and they want your money or they want to use you to make money. What’s even more scary is the lengths to which they are willing to go, even risking YOU. Do not pass Go. Do not collect $200.

I received an email saying that I was being offered a job as aRegional Assistant” u, though the details weren’t given, the email suggested that it was a legitimate opportunity. I replied asking about where they’d received my details and also about what they would require of me.

Being the skeptic I am, I thought I could spot scammers a mile away. How fortunate that I can still laugh at the idea.

A few hours later, they replied indicating that I’d soon receive further instructions. They’dprobablybeen referred to me by a friend and they had a pile of referrals and so couldn’t specify which friend had recommended me. I waited patiently and left it to the back of my mind. “They’ve probably found a good candidate already and I’ve lost out”, I thought. “How nice that a friend might refer me. Obviously I’m Awesome.” (and daft :-/)

So later on, I receive my email with myfurther instructions”. This is where I finally realised that I was dealing with scammers:

Hi. We’d like to start a trial task. Our customer will make a bank transfer to you this week. Please go to our site <site omitted> to submit the banking details where the transfer will go to. Once we’ve established a good transaction history, you will receive between 2-3 transfers per week (amounts of about R10 000 each except the first trial transfers).
Please confirm that you can start. We don’t send any transfers to your account until we receive confirmation from you.
On Monday you will receive notification, detailed information and instructions regarding the transfers. Thank you and have a lovely weekend.

Say what??? I checked out the web site in question and, without a doubt, this is a money laundering scheme done by professionals. They know what they’re doing and they probably launder millions every month. What’s more is that, inevitably, they will screw you over and get the cops to arrest YOU. These criminals can leave evidence behind implicating you even if all you’ve done is diligently moved money from one place to anotherand kept a small percentage for yourself. 😛

Money laundering is where illegitimate money (stolen, probably) is transferred via third parties to appear more legitimate. You’re an accessory to the crime and, even worse, you’re even likely to be the victim of it. Recognise when an opportunity is too good to be true. I was fooled for a short while. Next up, given that a victim might give out a lot of personal details, the scammers might steal your identity and start to implicate you in fraudulent activities without you ever having done a thing.

If you happen to have already given any details such as the above where they wanted my banking details, contact your bank and inform them of the situation. They will give you the best possible advice on what to do next. If you’ve already responded to the mail but haven’t yet already given them the information they want, don’t reply any further. I’d also suggest calling your local police for further advice.

Aqsam